Introduction:
At the beginning of the new year, good news spreads frequently. Zhejiang Yiwu Rural Commercial Bank took the lead in the balance of deposits in Yiwu City, and the financial institutions in Yiwu exceeded 100 billion yuan. As of January 28, 2024, the bank's deposit balance reached 1,0166.6 billion yuan, and the balance of various loans reached 8936.8 billion yuan. 2023 Annual Tax Payment37.2 billion yuan, nearly 2 billion yuan in taxes in five years. In recent years, under the strong leadership of the Party Committee of Zhejiang Rural Commercial United Bank, the bank has taken root in the local area, made every effort to promote the "Three No. 1 Projects", focused on the "Top Ten Rush Roads" and "Top Ten People's Livelihood Facts" in Yiwu City, and vigorously implemented the "Five Major Projects" such as the expansion of household assets and debts, the inclusion of the company, the upgrading of wealth business, the transformation and upgrading of halls, and the improvement of the ability of customer managers, which promoted business development to a new level and promoted the sustained, steady and high-quality development of the whole bank. In 2023, under the strong leadership of the Party Committee of Zhejiang Rural Commercial United Bank, Yiwu Rural Commercial Bank under the jurisdiction of Zhejiang Rural Commercial United Bank will closely focus on the decision-making and deployment of the provincial bank, focus on the "Top Ten Rush Roads" and "Top Ten People's Livelihood Practical Matters" in Yiwu City, and unswervingly adhere to the goal of "building a first-class community bank in the country", comprehensively deepen the people-centered all-round inclusive finance, and vigorously carry out the activity of "Helping the Year of Common Prosperity".Vigorously implement the "five major projects" such as the expansion of family assets and debts, the company's inclusiveness, the upgrading of wealth business, the transformation and upgrading of halls, and the improvement of customer managers' capabilitiesIn order to drive the Bank's business development to a new level, and promote the sustained, steady and high-quality development of the whole bank. At the beginning of the new year, good news spreads frequently. The deposit balance of Yiwu Rural Commercial Bank took the lead in the city's financial institutions exceeding 100 billion yuan. As of January 28, 2024, the bank's deposit balance reached 1,0166.6 billion yuan, and the balance of various loans reached 8936.8 billion yuan. 2023 Annual Tax Payment37.2 billion yuan, nearly 2 billion yuan in taxes in five years. 1
Party building leads
Empower common prosperity and development
Expand the "circle of friends" for party building and joint construction. The bank continues to play a leading and exemplary role as the general convener of the party building of the financial system of Yiwu and the party building of the banking industry, establishes a first-class financial service system in the city, town and street, and administrative village, enriches the connotation of "party building + finance", and creates a unique financial service model with government-bank interactionIt has realized the deep integration of Yiwu Rural Commercial Bank's network advantages and capital advantages with the party's political and organizational advantages. By the end of 2023, 735 party building joint construction projects have been established with various party and government departments, towns (streets), and administrative villages (communities) in Yiwu City; Carry the banner of the city's "financial common prosperity and strong base expansion" project, continuePromote the asset and liability financing model of rural householdsIn 2023, a total of more than 8 households will be filed120,000 households, with a credit amount of 19$2.1 billion.
The picture shows Yiwu Rural Commercial Bank and Dachen Town holding an on-site meeting for the joint construction of government and bankDeepen the activity of "Helping the Year of Common Prosperity". For three consecutive years, the bank has cooperated with the ** Department of the Yiwu Municipal Party Committee, the Organization Department of the Municipal Party Committee and the Municipal Bureau of Agriculture and Rural Affairs to hold activities such as the "Rural Business Cup" Township Entrepreneurship and Innovation Competition and the "Rural Commercial Bank Cup" Village Collective Economic Development Project Selection, and awarded a total of 412 funds to 61 entrepreneurial projects50,000 yuan; The joint town and street departments have carried out more than 10 theme activities of co-construction and common prosperity, such as "2023 Yiwu-Liandu Agricultural Excellent Specialty Products Co-prosperity Market Activity" and "'Surprise Dachen Co-prosperity Model' Co-construction and Co-prosperity Theme Activity"; The United City Supply and Marketing Association invested 5 million yuan to jointly promote it"Common Wealth Greenhouse".project to achieve complementary advantages, mutual benefit and win-win results.
The picture shows Yiwu Rural Commercial Bank and Yiwu Supply and Marketing Association jointly promoting the "Common Wealth Greenhouse" project. Improve the quality and efficiency of new citizen services. The city took the lead in releasing the "Commitment to Optimize Financial Services for New Citizens", and increased the promotion of products such as "Zhejiang Loan", "Cloud Business Loan", "Entrepreneurship Loan" and "Social Security Loan" for industries or groups where new citizens are concentrated. In 2023, a total of 26,315 new citizen loans will be issued, with 1,455 new loans and an amount of 5434.2 billion yuan, an increase of 1329.6 billion yuan.
Stay on top of your position
Comprehensively contribute to rural revitalization
Focus on the "Ten Million Project" to help the construction of beautiful villages. The Bank continued to increase credit support for key projects such as the improvement of rural human settlements, rural infrastructure construction, rural public services and village collective economic development. In 2023, a total of 2,962 "Beautiful Homeland" loans will be issued, with a loan amount of 156.4 billion yuan, a total of 5030,000 households, amounting to 19.9 billion yuan; A total of 2,764 rural housing mortgages were issued, with a loan amount of 450.4 billion yuan, a total of 2160,000 households, amount 223200 million yuan. Focus on strengthening the village collective economy and increase rural revitalization loansSteadily promote the implementation of 100 million yuan of special funds for "rural revitalization and common prosperity".In 2023, a total of 5 rural revitalization loans will be issued7.8 billion yuan, a total of 24.11 million yuan of special funds were donated to 169 villages; A total of 21 rural revitalization loans have been issued7.3 billion yuan, donated special funds for 379 villages10.4 billion yuan.
Rooted in the ground
We will make every effort to promote the "Three No. 1 Projects".
Boost the "No. 1 Reform Project" to optimize and improve the business environment. Actively carry out large-scale visits such as "helping common prosperity and benefiting thousands of enterprises", "four double thousands" and "helping enterprises to warm up businesses and benefit farmers", increase the promotion of special products such as "small and micro easy loans", "small and micro social security loans" and "science and technology innovation loans" and the promotion of re-lending business, and effectively solve the problems of "difficult loans" and "expensive loans" for small and micro enterprises. As of the end of 2023, the Bank has 688 loans to small and micro enterprises3.1 billion yuan, an increase of 124 from the beginning of 2023600 million yuan; Manufacturing Loans 2116.4 billion yuan, an increase of 37 from the beginning of 2023$1.4 billion; In 2023, 626 re-lending transactions will be handled, with an amount of 92500 million yuan, saving 7404 yuan in relending costs for 596 enterprises30,000 yuan.
The picture shows the employees of Yiwu Rural Commercial Bank visiting an e-commerce enterprise in Yiwu City. Promote the "No. 1 Open Project" and serve the upgrading of the "sweet potato economy". Relying on the financial service center of the free trade zone of the Bank, the Bank continuously optimized the cross-border business product and service system, and innovatively launched the country's first "credit information product ** financing" based on cross-border RMB settlement data; To help the development of the "Belt and Road", we will handle cross-border RMB business in 20233334.7 billion yuan, a year-on-year increase of 212%; A total of 227.3 billion yuan, involving 64 countries and regions including Indonesia, Thailand, Palestine, Bangladesh; Implement differentiated marketing, actively expand import business, and the import business increased by 260 year-on-year1%, the market share of imported foreign exchange sales is currently the first in the city; In 2023, 58 international settlements will be completed800 million US dollars, an increase of 10500 million US dollars, an increase of 21.1 billion6%, the new amount ranked first in the province's rural commercial bank system, and the settlement volume ranked third in the province's rural commercial bank system.
Promote the "No. 1 Development Project" to serve the innovation and quality improvement of the digital economy. around"Beautiful countryside + digital village + common wealth village + humanistic village + good governance village".Construction goal, signed strategic cooperation agreements with 21 future villages (communities) in Yiwu City, and exclusively cooperated with the Municipal Construction Bureau and the Municipal Agriculture and Rural Bureau to innovate and launch"Future Volunteers" Yiwu City's all-for-one future community (village) smart service platform; Promote the construction of smart scenarios, and a total of 64 smart projects such as smart parking, smart medical care, and smart cashier have been launchedEffectively promote the city's digital rural governance; Persist in being at the forefront, make every effort to explore the innovative application of digital RMB in the field of public services and people's livelihood, and successfully handle the province's first digital RMB payment for house purchases, digital RMB payment of mineral resources tax and other businesses; Successfully exchanged the city's first digital RMB damaged currency; Issued the bank's first "Digital RMB Loan for First Loan Accounts of Small and Micro Enterprises".
Strengthen responsibility
We will make every effort to practice the people's nature of finance
Take the initiative to reduce fees and make profits. Actively respond to the policy of supporting private enterprises of the Yiwu Municipal Party Committee and Municipal Government, and take the initiative to reduce loan interest, and the weighted average interest rate of loans will decrease by 049 percentage points; 2029.9 billion yuan, 251 renewed loans without principal repayment7.4 billion yuanFee reduction and profit concession for the real economy exceeded 4500 million yuan.
The picture shows the employees of Yiwu Rural Commercial Bank visiting large grain growers to help increase the income of summer grain. Create a "15-minute government service circle". Relying on 82 outlets and 411 harvest stations, citizens can handle 332 government affairs such as social security payment, medical insurance payment, and real estate registration nearby.
Actively practice social responsibility. For 27 years, the "August 1st" military support condolences have been carried out; In 2023, it will donate 3.1 million yuan to Yiwu Charity Federation, 1 million yuan to "Harvest Good Deeds, Medical Road Walking", 1.2 million yuan to Xuefeng Literature**, and 400,000 yuan to Yiwu Revolutionary Old Area; In the past five years, it has donated more than 33 million yuan to various charitable funds.
100 billion yuan is not only an exciting highlight, but also the starting point of a new round of development. In the next step, Yiwu Rural Commercial Bank will breathe the same breath, share the same fate and heart to heart with the local economy and customers, and contribute new "agribusiness" power to promote Yiwu's high-quality and high-level construction of the world's commodity capital while realizing its own high-quality development.
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* Zhejiang Yiwu Rural Commercial Bank.
Producer: Cai Liang, Editor: Hu Hongkai, Producer: Mu Yangfen.